A transversal mode with zero group velocity and non-zero phase velocity that can exist in chains of silver nano- spheres in the optical frequency range was theoretically studied. It is shown that the external source r...A transversal mode with zero group velocity and non-zero phase velocity that can exist in chains of silver nano- spheres in the optical frequency range was theoretically studied. It is shown that the external source radiating a narrow-band non-monochromatic signal can excite in the chain a mixture of standing and slowly travelling waves. The standing wave com- ponent (named as resonator mode) is strongly dominating. The physical reason of such a regime is a sign-varying distribution of power flux over the cross section of the chain. This situation is similar to the scenario of the propagation of a wave along the boundary between the right-handed and left-handed media where the spatial distribution of the light intensity is vortex. However, in the present case there is no boundary between media and the boundary between the positive and negative power fluxes is a cylindric tube in free space whose axis is the axis of the chain.展开更多
This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of paym...This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of payment by the inhabitants of rural areas. The main source of data used for analysis and inference was information originating from the authors＇ own investigations conducted in 2013 on a group of 500 rural households and on a group of 150 trade and service points operating in non-urbanized areas. This work made use of statistical summary measures and Z2 independence test. According to the results of the conducted studies, forms of payment used by rural dwellers depend on many variables, of demographic, economic, and psychological character. Cash payments are more frequently used by persons possessing vocational or secondary education, elderly people, old-age pensioners, annuitants, or households with lower incomes. Also, persons who do not trust financial institutions or do not perceive benefits resulting from the use of non-cash instruments prefer cash. It is a group of households which require urgent educational activities in the area of non-cash payment instruments. A significant barrier to using non-cash payment instruments by rural dwellers was a limited access to non-cash channels. It is connected in the first place with a poorer development of financial infrastructure in rural areas （banks or cash points）, insufficient Internet access conditioning a possibility to use electronic banking points, and also a worse development of credit card acceptance network. As has been demonstrated by the results of conducted studies, the main reason for a lack of point of sale （POS） terminals in retail and service-providing points operating in rural areas, in the opinion of their owners, is the very high interchange fee （50% indications）, which under Polish conditions is one of the highest in the European Union （EU）.展开更多
文摘A transversal mode with zero group velocity and non-zero phase velocity that can exist in chains of silver nano- spheres in the optical frequency range was theoretically studied. It is shown that the external source radiating a narrow-band non-monochromatic signal can excite in the chain a mixture of standing and slowly travelling waves. The standing wave com- ponent (named as resonator mode) is strongly dominating. The physical reason of such a regime is a sign-varying distribution of power flux over the cross section of the chain. This situation is similar to the scenario of the propagation of a wave along the boundary between the right-handed and left-handed media where the spatial distribution of the light intensity is vortex. However, in the present case there is no boundary between media and the boundary between the positive and negative power fluxes is a cylindric tube in free space whose axis is the axis of the chain.
文摘This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of payment by the inhabitants of rural areas. The main source of data used for analysis and inference was information originating from the authors＇ own investigations conducted in 2013 on a group of 500 rural households and on a group of 150 trade and service points operating in non-urbanized areas. This work made use of statistical summary measures and Z2 independence test. According to the results of the conducted studies, forms of payment used by rural dwellers depend on many variables, of demographic, economic, and psychological character. Cash payments are more frequently used by persons possessing vocational or secondary education, elderly people, old-age pensioners, annuitants, or households with lower incomes. Also, persons who do not trust financial institutions or do not perceive benefits resulting from the use of non-cash instruments prefer cash. It is a group of households which require urgent educational activities in the area of non-cash payment instruments. A significant barrier to using non-cash payment instruments by rural dwellers was a limited access to non-cash channels. It is connected in the first place with a poorer development of financial infrastructure in rural areas （banks or cash points）, insufficient Internet access conditioning a possibility to use electronic banking points, and also a worse development of credit card acceptance network. As has been demonstrated by the results of conducted studies, the main reason for a lack of point of sale （POS） terminals in retail and service-providing points operating in rural areas, in the opinion of their owners, is the very high interchange fee （50% indications）, which under Polish conditions is one of the highest in the European Union （EU）.
